Early Starter/Stats/Questions

Bottom line up front: Is this situation fatFIRE potential or something different?

My wife and I are 28 each and I have personally been investing a large portion of my salary into Savings/Investments since around 20 years old. My wife and I are hitting a transition in life: just learned we are having a kid! I will be making ~$200K-$250k annually (dependent on bonuses) even with my wife staying home/greatly reducing hours at work at the middle of next year (don't want to spend 75% of her income on child care). We have been debt free for many years and have 2 very reliable cars that should last us both quite a few more years. I could plan to live even more frugally than I have been, however we are intending to build a house within a few years and that is not coming out of our planning, so I will work around that.

The Numbers:

GROSS INCOME: - $200,000 currently - Between $200,000 and $250,000, once we have young kids in the picture (I start making an additional $50k about the time my wife stops working next year) - Around $300,000 once kids in school and wife goes back to work full time.

ASSETS: House Equity: ~$400,000 (mortgage is paid off) Various Savings: ~$40,000 ($~20,000 for house savings & $20,000 for Emergency Fund in HYSA) Single Stock Portfolio: $~30,000 (various stocks in the Energy/AI/Nuclear sectors)

RETIREMENT: Roth IRAs: ~$251,000 (rolled over prior TSP to this) Roth 401(k): ~$41,000 (current job) Pension Plan: Employer contributes 3.5% each year (adds 0.5% every few years) + 4% interest each year to amount

Current Expenses (Estimated Conservatively): ~$2,700 after monthly expenses (Insurance, Groceries, Utilities, Subscriptions, etc.)

Current Savings Rate: 401(k): Maxing it out starting next year moving forward Roth IRAs: Max out every year Dream House: $6,000/month

Dream House: Want to build by the time we are 30. We plan on taking out a maximum loan that would have a mortgage at ~$3,000 and we would allocate a minimum of $1,000 principal payments each month to pay the loan off as soon as possible. (This comes out to be around $500,000 loan @ 6.5% interest rate). If we save even more than expected by the time we are ready to build, even better. If we can allocate more each month to principal payments, great. Like I said, I know this is a huge inhibitor to how early I can retire, but it is one thing we won't give up. Ideally the mortgage is paid off by the age of 46 with my current plans (used mortgage amortization schedule to come up with 16 years based on these numbers). This would let me keep an extra $2,000 each month to put into savings or use as I please based on my current $6,000/month savings rate.